How do I set up my tsp so I can retire without sufficient funds to afford care for my special needs son.
I have a relatively large family. 5 kids my self and my husband. I bought my home peak of covid. One of my children I anticipate will need to cared for always. My siblings think that I would live a happier life if I place him in a care facility rather than have him live with me as he gets older. My son is nonverbal on the autism spectrum level 3. His teachers have told me there is no hope for independent living since he needs assistance for potty time, uses pull ups and has selective diet. I have come to the honest conclusion that as long as my body can stand I will be his caregiver. I am happy with that decision. However I am not too sure how to set us up to be ok later down the line.
About me: I have been a ptf since October 2025. Its not alot of time. At this time I can afford the 7% contribution. I dont expect to be a millionaire when I retire since I started this career at the age of 34. I've worked in a hospital for the last 7 years and a utility company for 9 years prior. I didnt have a retirement savings plan for the utility company since I went through being a single a mom and lived in NY and simply couldnt afford to even put 5.00 into savings. I was in the National Guard reserves for 2 years before being medically discharged. I was 20 and dont even remember if I had a life insurance or retirement plan. So basically I am starting my retirement funding now. I am wondering how to plan it out so we can live decently. I never include my husband money in retirement planning since he has never thought of planning that far out and is also now starting his funding now. He is in the I am thinking about it but not sure where to start phase. We currently reside in ohio where it is significantly less costly to exist than NY.
Other than raising the amount I contribute is there something else I need to do or that is recommended?